Insurance & Private Pay

Some home care services may be covered by a government insurance program, such as Medicare or Medicaid. But what are your options if you don’t qualify for these plans, or if you want more services than they cover? You may choose to pay for these services out-of-pocket, or obtain them through a private insurance plan or long-term care plan.

Private Pay

Paying out-of-pocket gives you flexibility in the type and amount of services you order. Insurance plans often have restrictions and limits. Your insurance may not cover the services you would like, or perhaps your insurance stops paying for the services sooner than you are ready for them to end. When you pay out-of-pocket for services, you can avoid any restrictions and can request services tailored to your specific needs and your schedule.

Commercial Health Insurance

Because Partners in Care is a licensed home care agency, we are not eligible to be reimbursed by government insurance plans such as Medicare or Medicaid. (We are an affiliate of the Visiting Nurse Service of New York, a certified home health care agency that accepts Medicare and Medicaid.) Private or commercial insurance plans will often pay for some of the care provided by a licensed agency, and Partners in Care will work with your insurance carrier to determine coverage.

Private Pay and Insurance-Covered Care

If you or your loved one is already receiving home care services from VNSNY and you would like more services than Medicare or a private insurance company will cover, choosing to receive additional services from Partners in Care offers significant benefits that help streamline your care. First, you’ll still be able to receive care through VNSNY (that is, you won’t have to give up the services that are covered by Medicare). You can also arrange to keep the same home health aide. In addition, when you use VNSNY and Partners in Care together, your private care services are provided at a reduced rate.